How ConsumerAffairs uses cookies

This website utilizes technologies such as cookies to enable essential site functionality, as well as for analytics, personalization, and targeted advertising. To learn more, view the following link:

CARCHEX Reviews

4,974,590reviews on ConsumerAffairs are verified
  • We require contact information to ensure our reviewers are real.
  • Our moderators read all reviews to verify quality and helpfulness.
  • We use intelligent software that helps us maintain the integrity of reviews.
+2 more
Author picture
Edited by: Liz Bingler
Author picture
Fact-checked by: Becca Blanco

About CARCHEX

Founded in 1999, CARCHEX sells extended auto warranties and related vehicle protection products, though it partners with third-party providers rather than offering its own plans. These vehicle service contracts cover repairs due to mechanical failures or malfunctions, but not collisions. Coverage is available in all 50 states, and CARCHEX accepts vehicles with up to 250,000 miles. Plans also come with additional benefits like roadside assistance, rental car reimbursement and trip interruption coverage.

Visit www.carchex.com
Pros
  • Available nationwide
  • Plans are transferable
  • Accepts high-mileage vehicles
  • Benefits like roadside assistance and trip interruption coverage
  • Mobile app
Cons
  • Not a direct plan provider
  • Some contracts aren't renewable

Helpful Reviews

Dallas, TX
Verified purchase
All tow trucks were busy that night, so we called Cierria Towing. They brought the flat bed tower, which I saw, thrilled…very professional as well! We were right by the tow truck ...

Read more

Jacksonville, FL
Verified purchase
Very detailed review of repair claim. Was explained by customer service. Answered all my questions. I got a quick response through my email and a phone call. Adjuster response was...

Read more

CARCHEX coverage plans

CARCHEX extended warranty plans cover repairs due to mechanical failures or malfunctions. Additional plan benefits include 24/7 roadside assistance, trip interruption coverage and rental car coverage.

Plans are available for vehicles with up to 250,000 miles. Coverage generally kicks in after a waiting period of 30 days or 1,000 miles, but this is a fairly standard requirement among extended auto warranty providers.

CARCHEX extended warranty plans

CARCHEX offers six extended warranty plans. All CARCHEX plans except Extra Care include powertrain coverage, which means your vehicle’s transmission, drive axle(s) and engine are covered. Titanium coverage provides the most comprehensive coverage for your vehicle.

Compare coverage for CARCHEX plans

Compare coverage for key components and systems for each CARCHEX plan below:

CARCHEX extended warranty exclusions

CARCHEX extended warranties have certain exclusions, which are standard for auto warranties.

The following are not covered under any CARCHEX plan:

  • Routine maintenance like oil changes
  • Wear-and-tear components like wiper blades and air filters
  • Damage from accidents, environmental factors, neglect or improper maintenance
  • Aftermarket modifications like lift kits
  • Preexisting conditions
  • Components covered by manufacturer's warranty

CARCHEX warranty costs

CARCHEX warranty costs tend to be around $1,500 yearly for a five-year plan. Generally, you’ll pay about 2 cents per mile of coverage. The company also has a 30-day money-back guarantee in case you decide CARCHEX coverage isn’t right for you.

The price of your CARCHEX warranty will vary based on your vehicle’s mileage, year, make and model, as well as the coverage level and deductible you select.

For example, Michael, a reviewer from Colorado, said they paid $2,299 to extend coverage on their 2019 Ford F-350. Judy, a reviewer from Florida, said they paid about $1,000 per year for coverage.

It’s worth noting that you may be able to negotiate CARCHEX’s pricing.

“I told them I wanted to take their highest plan, but I would not spend more than $99 a month,” said Raymond, a reviewer from Rhode Island. “They gave me it for $99.”

CARCHEX claims and repair process

To start a CARCHEX claim, you’ll need to take your vehicle to an authorized repair facility.

1. Choose a repair facility

CARCHEX vehicle protection plans are accepted at thousands of licensed repair facilities nationwide, including local dealers, independent auto repair shops and national chains like Pep Boys, Firestone and Goodyear. You can use CARCHEX’s mobile app or website to find a vehicle repair facility near you.

2. The mechanic will contact CARCHEX for approval

Next, the repair facility must contact the claims administrator listed in your contract to get approval before proceeding with any repairs.

You may need to provide your vehicle maintenance records to determine coverage eligibility. Maintenance records must include dates of services, mileage, supplies and your vehicle identification number (VIN).

3. Repairs will start

Once the repair facility receives authorization, it’ll start work on the covered repairs. In some cases, you may need to authorize the repair facility to disassemble parts to determine the cause of the breakdown. You will be responsible for teardown charges if the breakdown is not covered under your vehicle service contract.

4. Payment

CARCHEX will then pay the repair facility directly. Upon completion of the repair, you are responsible for paying any applicable deductible to the repair facility, along with charges for any repairs or work that isn’t covered by your plan.

What to do if your CARCHEX claim is denied

If your claim is denied by CARCHEX, first review your contract to make sure you have coverage for the repair you’re looking to get covered. If you think your claim was wrongfully denied, you can call your claims administrator at the number provided on CARCHEX’s website.

FAQ

Is CARCHEX legitimate?

Yes, CARCHEX is a legitimate company that partners with multiple warranty providers and is registered with reputable third-party organizations. Some of its warranty providers include American Auto Shield, American Guardian Warranty Services and Royal Administration Services.

Where is CARCHEX available?

CARCHEX is available in all 50 states. You can take your vehicle to any licensed repair facility for repair, including dealerships and independent repair shops.

How do I cancel my CARCHEX warranty?

To cancel your CARCHEX warranty, contact the company in writing with a request to cancel your contract. If you cancel within 30 days of the effective date of the contract and you have not made a claim, you will receive a full refund. If you cancel after 30 days, you will receive a prorated refund.

Does CARCHEX have a money-back guarantee?

Yes, CARCHEX has a 30-day money-back guarantee, meaning you can cancel for a full refund within 30 days of purchasing a warranty.

Still have questions?

Is a CARCHEX extended warranty worth it?

A CARCHEX extended warranty may be worth it for drivers with older or high-mileage vehicles who want protection after the factory warranty expires. It may also appeal to drivers looking for flexible payment plans, roadside assistance and the ability to use licensed repair shops nationwide.

However, some CARCHEX customers on our site were unhappy with their coverage. For example, Janice, a reviewer from Illinois, said they were frequently stuck paying for repairs out of pocket despite purchasing the comprehensive Titanium plan.

“If you buy this plan, expect to pay out of pocket for much more than the deductible amount,” Janice said. “This plan through Carchex is administered by Royal Administration Services. I submitted two claims at different times. The first was for [a non-working] AC and a malfunction control arm. Total bill for both these repairs were $990.55[,] in which they paid only $517.59. Per the mechanic, they would only pay for a used aftermarket control arm part. I was told by the mechanic they could not warranty a used part, so I ended up paying out of pocket $472.96, well over the expected $100 deductible.

“Two years later, I needed a fuel pump. [The plan] paid only $319.58 out of a total bill of $1,117.27, leaving me to pay the balance of $797.69. Again, well over the $100 deductible amount. Their methods to determine parts and labor cost do not reflect realistic prices and therefore the plan will end up paying significantly less than one would expect. I have had other extended warranties of which I never paid more than the deductible amount, and wish I would have stayed with those. This plan looks good on paper, but in reality will not pay out as expected.”

Ultimately, CARCHEX may be worth considering if you want customizable coverage for an aging vehicle and are willing to carefully review contract terms before signing. Drivers seeking simpler coverage terms or more predictable claims experiences may want to compare multiple extended warranty providers before making a decision.

CARCHEX Reviews

Filter by Rating

  • (3,052)
  • (739)
  • (226)
  • (107)
  • (332)

Popular Mentions

    How do I know I can trust these reviews about CARCHEX?
    • 4,974,590 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Top reviews
    • Top reviews
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about CARCHEX?
    • 4,974,590 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 35
    Verified purchase
    Customer ServiceContract & TermsCoverageTechPriceMaintenanceStaffRates

    Reviewed Sept. 8, 2026

    My customer service person from CARCHEX was great and very friendly. He knew the warranty program in and out. My vehicle has a lot of high-tech options and I want them to not cost me a fortune if they go out. I decided to use CARCHEX because I thought that the coverage sounded awesome. I was also told that it was up to $10,000 a month that could be used to fix my car versus over the life or up to 100,000 miles. I know that there is a cap-out and I'll need to stay consistent with CARCHEX but at the end of my term, I'd be able to renew at the same rate. That is huge because usually, it's up to the value of the car, which my car is about $10,000. I have a Toyota Sienna from 2011. So, its MSRP is $40,000, but right now, it's worth $12,000. Fixes can be really expensive. So, I might upgrade my warranty to include more.

    The only thing is I was told that I was only going to get the $99 locked in under the premise of signing up on the phone, and then I got an email saying that I should still cash in on that 99, which meant that it would have still been available. So, whatever they have going on there, that made it obvious that their ducks aren't in a row in a way. I would have done it over the email.

    Thanks for your vote!
    CARCHEX
    Response from CARCHEX

    Felicia, thank you for choosing CARCHEX! We’re glad our representative helped you feel comfortable discussing coverage for your Sienna’s high-tech features. We understand why receiving an email with the same rate after being told it required signing up by phone left you questioning the offer, and we appreciate you pointing that out. Please call Customer Service at 1-800-442-1432 so we can review the pricing, confirm how your coverage limits and renewal terms work, and discuss any additional protection you’re considering. We want you to feel just as confident in the details of your plan as you did in that first conversation.

    Not sure how to choose?

    Get buying tips about Extended Auto Warranties delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thanks for subscribing.

      You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Verified purchase
      CoveragePricePunctuality & SpeedRates

      Reviewed Aug. 26, 2026

      I was looking for some extended warranty service for my car. I was having what might be a transmission problem, which would be very expensive. That made seem cost-effective. Spend $90 a month on CARCHEX, pay a $300 copay and get my $4,500 transmission replaced or repaired. I made sure it would cover what I needed. I haggled with CARCHEX a bit on the price. They wanted 130 a month. I told them it was too much. I said, I'd like it under $100, and they did the old "let me get my supervisor" thing. They said, "We could do this for 99. Would that be all right?” I said, "All right, I'll do that.” You could probably get this down to 79.99 a month. That is the point at which CARCHEX says, "That's too much." But 80 bucks a month is as low as you can get this. You should go into that like I did. I researched. I already knew that it would cover me, or I wouldn't have gone to them. CARCHEX was a bit less expensive, but covered a bit more.

      I haven't had to replace my transmission, but I've sourced it out with other local garages. “Will you work with these guys?” I checked CARCHEX out before I bought it, so I know that it's accessible to the places around me. I know it covers what I need. 100 bucks a month isn't cheap, so walk into it eyes wide open. And there's a three-month wait period that you need to be mindful of, and there's a deductible. So, if your work is going to be less than $600, don't do it. Just pay the 600 bucks up front. But if it's gonna be $1,800 or $5,000, then it's worthwhile.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Walter, we appreciate the thoughtful and practical perspective! Doing your research and understanding how your coverage works can make a big difference when the time comes to use it. If you ever have questions about your plan or benefits, our CARCHEX Customer Service team is ready to provide the answers you need.

      Verified purchase
      Customer ServiceCoverageTechPriceMaintenanceStaffBillingRatesSales Tactics

      Reviewed July 28, 2026

      I did an AI search between Endurance and the other company that I had seen. I wanted to see what was really out there in that kind of market. AI went through all kinds of reviews and found that people had some good things to say about CARCHEX. So, I settled on them. At the time, I bought a used car that had 60,000 miles on it. And within a month, the transmission had some issues, and the transmission had to be replace the transmission. I bought it from a dealership, so they took care of that.

      I've already got 70,000 miles now and I put a lot of miles on my vehicle. The powertrain warranty is going to be gone soon, and then I'm going to need something to help with other things. So, getting CARCHEX is more of protecting my investment. And I don't buy new cars every year. Also, I don't want the whole car to fall apart on me and I still have a car payment. I don't like having car payments. So, I didn't want this to blow up in my face and not be able to afford the repairs if something does happen.

      I like the fact that if I decide I don't want the warranty anymore, I can let it go. Also, it was unlimited mileage, so it didn't matter how much mileage I put on the car because that's going to be an issue for me in another 30,000 miles when I hope the car lasts that long. Then, the price was reasonable on what I felt like I was getting. If someone is considering getting CARCHEX, I would tell them that they should definitely talk to them about what they offer. Plus, their reps were were not high pressure and I felt like they were trying to help me choose the best plan for me. All in all, it's great to know that I can keep my car running without major expense and that I wouldn't have to fork out thousands of dollars on top of my car payment to keep my car running.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Suzanne, thank you for sharing your experience! It's great to hear you took the time to research your options and found a plan that gives you confidence in protecting your vehicle for the long haul. We're glad our team helped you find the coverage that fit your needs without any pressure. Thank you for choosing CARCHEX, and if any questions come up along the way, we're just a phone call away.

      Verified purchase
      Customer ServiceCoverageTechStaffBillingTimeliness

      Reviewed July 19, 2026

      A friend of mine had Carchex, and my mother-in-law, who's a mechanic, looked into it and said it was a good idea. We have an older 2006 vehicle with low miles, and she said it would be good to have coverage just in case something happens. The sign-up process was easy. I called the phone number, and my mother-in-law helped me with it too, because she knew exactly what to ask about, such as what was covered.

      The rep was nice and worked with me because we didn't get paid until the next day. He was able to start the plan while we were on the phone and delay the payment until the following day, which was cool. He explained the different levels of what’s covered and the amount of money that's covered a month. He explained that big things are covered, like the engine, the transmission and exhaust, but little things are not covered, like brake pads and motors. So, he was knowledgeable and explained everything.

      One plan was probably $10 too much, so he suggested another option that was about $12 less than the other plan per month. He was trying to help me find a plan I could afford. He was very detailed with everything. I would give Carchex 10 stars. If someone doesn't want to spend a lot of money, they’d better call Carchex.

      The biggest benefit is having protection for unexpected realities of what can happen to vehicles, especially with older cars. You never know when something is about to give out. You could be driving somewhere and then there's no sign of something going bad, and then you're stuck on the side of the road. Carchex is a good thing, especially if you're on a budget. With an unexpected repair, you could be stuck without a car because you don't have the funds for it. But if you're making the monthly payments on a program like this, it's easier to come up with whatever. I'd rather come up with $250 or $500 than have to pay $1,500, $2,000, or $3,000 for a repair.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Thank you for your review, Kaitlyn! Knowing you found a plan that fit your budget and gave you the peace of mind you were looking for means so much to us. Thank you for putting your trust in CARCHEX. We look forward to being there whenever you need us.

      Verified purchase
      Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaffRates

      Reviewed July 12, 2026

      I tried to go to the CARCHEX website before calling the number. I tried to do a little research before calling to see if it's even something I'm interested in. By the time I called, the person I spoke to was able to give me even more information on where to go and look to check against other car warranty businesses. He was very helpful and knowledgeable. He knew about other brands that were in the industry as well to help me toggle along, “They do this, we do this. And this is why our product is so much better because we do this and we don't do that.” I've had two others before that I was not happy with. So, I was armed with the questions that the person that CARCHEX had answering the phone was able to assure me and give me good feedback on that's not how they operate.

      The rep also let me know about the period of time where you'll have to pay $1,000 until you've had it for 90 days. It was affordable. Also, there were different options that I could start with or add on later if needed. It sounds good, I signed up, and I'm hoping that it's a service that's worth having. We all know we need insurance, so just having that in the back of your mind that if something happens, you don't have to pay the outrageous cost of repairs because you've been paying for it along the way. It's always an assurance to have for you in case you need it. Do your homework. Don’t just go for the first one because I did my homework.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      What an awesome review! We love hearing that you took the time to do your research and felt confident choosing CARCHEX. If any questions come up along the way, just give us a call.

      Verified purchase

      Reviewed Sept. 19, 2026

      I looked up CARCHEX online, and I saw some good reviews. I liked the month-to-month option, so that's why I opted in. The initial setup was easy.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Welcome to CARCHEX, Athar! We’re glad the monthly option suited your needs and that getting started was easy. If any questions come up as you review your plan, give us a call.

      Verified purchase
      Customer ServiceCoveragePriceStaffBillingHonesty & Transparency

      Reviewed Sept. 19, 2026

      The guy at CARCHEX that I talked to was knowledgeable. He went over everything with me, how it works, the deductibles. He explained how the first three months, the deductible is different because people sign up and something is already wrong with their car. He explained that the deductible for the first 90 days is $1,000, and it goes down after that. He was honest. He explained everything in detail. I went back and asked a couple of follow-up questions to him while we were on the line so I could make sure my notes were right. He had no problems answering those questions. It's a month-to-month service. You can cancel at any time. The monthly fee was 150 some dollars. He was in the ballpark of what I was looking for, considering if we weren't paying anything with CarMax. The payments are okay.

      I got a packet in the mail, CARCHEX Care Vehicle Protection Plan with everything in it. So, if I need anything, I can access that and go from there. The packet has my name on it, our vehicle, coverage information, and deductible. It was $1,000 to 500, and it said that I have the M2M Powertrain Gold Select package. Sign up. It's better to be safe than sorry. People that are insurance-heavy that have insurance, nothing happens. But the minute you don't have it, that's when something happens.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Monique, we’re happy to welcome you to CARCHEX and hear that your questions received the attention they deserved! Understanding your plan matters, and we’re glad the conversation helped. Please reach out whenever you’d like assistance reviewing your coverage.

      Profile pic of the author.
      CoverageTechPriceMaintenanceTransparency

      Reviewed Sept. 18, 2026

      I am extremely disappointed with my experience with CARCHEX/American Auto Shield. I purchased a Titanium-level contract expecting the written coverage to be honored. During my current claim, I have repeatedly received changing explanations for why portions of the repair are not being paid, including alleged “overlapping labor” and issues surrounding diagnostic charges. What has been most frustrating is the lack of transparency. I specifically requested written documentation showing the adjuster’s findings, what was approved/denied, and the basis for those decisions. I was told they were not authorized to provide it. When I asked to speak with a manager for clarification, I was told I couldn't, they are behind the scenes only. My advice to anyone considering this coverage: don't. My experience trying to obtain clear documentation and explanations during an active claim has been nothing short of criminal.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Lisa, we understand how important it is to receive a clear, consistent explanation of your claim, and we appreciate you sharing these concerns. We would welcome the opportunity to review your claim and contract with you, explain the labor and diagnostic charges, and discuss your requests for documentation and further review. Please call CARCHEX Customer Service at 1-800-442-1432 so we can take the time to listen, walk through the payment breakdown, and address the questions that remain unanswered.

      Verified purchase
      PriceStaffRates

      Reviewed Sept. 18, 2026

      I use CARCHEX, and they're good. I've been with them for 10 years and it has been good. The place where the vehicle was being repaired would file the claim. I don't have to do anything. Excellent price.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Linda, ten years with CARCHEX is wonderful to hear! We truly appreciate your loyalty and are thrilled you’ve been so happy with the service and value. Please give us a call anytime we can help with your coverage.

      Verified purchase
      CoveragePriceRates

      Reviewed Sept. 17, 2026

      It was pretty easy to sign up with CARCHEX. I was just trying to find something that'll cover the main stuff and not that expensive. Initially, they offered a higher rate but I told them, "No, no, no, never mind, I'm okay," and then they dropped it down. CARCHEX said it was $90 a month until I decided to stop paying it. They told me what it covers and that it's month-to-month. So the other places might be two years or three years and you gotta do it again. But this one is gonna be locked in at that price until I decide to stop paying.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Yassir, we’re happy you found a plan that fits your needs and budget! We appreciate the chance to help you get started with CARCHEX. If there’s anything you’d like to go over about your coverage, just give us a call.

      Verified purchase
      Customer ServicePriceStaff

      Reviewed Sept. 16, 2026

      I bought a pretty expensive vehicle that was secondhand, and I wanted help with extending its life. So, I looked into aftermarket warranties, and I randomly picked CARCHEX. I didn't have any prior knowledge and just jumped on them, and I am so happy that I also bought a plan for my daughter's vehicle. I have separate plans with them. They have treated me right. I have filed claims, and the process has been smooth and easy. I've done three claims over the life of my Cadillac. I looked for facilities that accept extended warranties, so that they know all the ropes. The place I went to was an authorized seller for CARCHEX. So, they kind of took care of everything and made it really smooth and painless. They were good people, too. I have already passed on CARCHEX to several people. Their customer service reps have been thorough, professional and pleasant. The warranty is very well-priced.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Dwayne, we love hearing that a first choice turned into such a lasting relationship! It’s fantastic to know your claims have gone smoothly and you’ve felt well supported by our team. We appreciate your referrals, and we’re happy to help if any questions come up.

      Verified purchase
      CoverageSales & MarketingPriceStaff

      Reviewed Sept. 15, 2026

      The enrollment process went well. We had questions. They had questions. We went through a lot of process, but it wasn't bad or intrusive. The reps were very knowledgeable and they were good at what they did. I didn't feel like they pressured me into buying it. It's good to get CARCHEX if you're not knowledgeable about car repairs. That way, there's some intermediary that's in there to help out. It covers the major engine problems. But the cost was a bit high. I hope it covers everything that I think it does.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      We appreciate you choosing CARCHEX and are glad our team helped you feel at ease while signing up. Understanding your coverage is important, especially when considering the cost. Give us a call whenever you’d like a closer look at your benefits, deductible, and any exclusions.

      Verified purchase
      Customer ServiceCoverage

      Reviewed Sept. 14, 2026

      We used to always go through Endurance, but they're no longer able to provide services in Massachusetts. So, CARCHEX was the next best listed online. Originally, I thought the sign-up process with CARCHEX was good, but it turned out that there was miscommunication about what I actually ordered. So, I was under the impression I was getting 36 months or 100,000 miles, whichever comes first. What I actually got was 36 months or 100,000 miles on the odometer, and we bought the vehicle at 50,000 miles. So, really, I got 50,000 miles, not the 100,000 I thought I was getting. We got our booklet in the mail with the coverage, and it said 36 months or when the odometer reads 101,000 miles.

      I called CARCHEX to confirm that because I didn't think that was right. They checked it and they said, "Yeah. It's 100,000 on the odometer, not 100,000 from when you bought the policy." But the amount of coverage is great. We bought a used car, and this gives us peace of mind for the first three years. That if anything goes wrong with it, it'll be covered.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Thank you for choosing CARCHEX, Anthony. We’re glad you feel good about your coverage, and we apologize that the mileage limit was not clear when you signed up. The ending odometer reading can make a meaningful difference in how you understand the length of your plan. Please give Customer Service a call at 1-800-442-1432 so we can take the time to review your contract with you, explain when coverage ends, and answer any other questions about your benefits.

      Verified purchase
      Customer ServiceTechSales & MarketingPriceRefunds & PayoutsMaintenanceRatesTransparency

      Reviewed Sept. 13, 2026

      I got quoted a very high price at the dealership when I bought the car. I searched for other options and off Google, it said that Carchex was one of the higher-rated auto warranty companies. I called them, got a quote and went from that. I asked them a bunch of questions and they were able to answer them right off the bat so I knew what they were talking about. If something ever went, like the powertrain, I have something to fall back on instead of paying out of pocket. They told me to have all the maintenance records up to date from when I bought it. The sign-up process was easy but the price is a little higher than I was anticipating.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Dan, welcome to CARCHEX! It’s great to know you received helpful answers, including guidance on keeping your maintenance records. If you have any remaining questions about the price or how your coverage works, our team will be happy to go over them with you.

      Verified purchase
      Customer ServiceCoverageSales & MarketingPricePunctuality & SpeedRates

      Reviewed Sept. 12, 2026

      I would recommend CARCHEX. I called them and got a quote. They offered coverage that other companies weren't providing, like covering the engine and transmission.I thought about it for a while after looking at other companies. A month later, I called CARCHEX back and negotiated the rate a bit and had the policy issued.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Naomi, we’re happy you found the right fit with CARCHEX after taking the time to compare your options! Thank you for the recommendation, and please give us a call if you’d like to go over anything in your new plan.

      Verified purchase
      Customer ServiceCoverageTechPrice

      Reviewed Sept. 12, 2026

      I purchased the CARCHEX before I purchased my car. Then when I went to the dealership, they gave me a rough time. So I didn't purchase the car. I had to call CARCHEX. It worked out perfectly, that whomever my husband was talking to returned that call. I got that person and I said, "Well, it's a good thing you called because I ended up not buying that car.” So they went ahead and canceled it. Everything's still good at this point. But 10 more minutes down the road, the car dealership called me back and said, "We're gonna put new tires on it,” because I wanted new tires, or I wasn't buying the car. So, I called CARCHEX back, but they wanted to charge me at least $100 more for the same exact thing.

      I was so mad at my husband because he was the one who wanted to do the tires on the car and then my car insurance or warranty thing went up another $100. So, I told him, “You call and you fix it tomorrow.” Somehow, he did get it fixed. CARCHEX gave me the same thing I was quoted that morning with. But it seemed awfully weird for the same car in the same 24-hour period that your people from the day to the night wanted to charge me the extra money. That was the only shaky thing that happened with CARCHEX so far.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Tracy, we appreciate you choosing CARCHEX and are happy you were able to get the coverage at your original rate. We recognize that the change in the quote made the process less straightforward than expected. If any questions remain, please reach out at 1-800-442-1432 so we can review the details together.

      Verified purchase
      Customer ServiceCoverageTechPriceRates

      Reviewed Sept. 11, 2026

      I had multiple conversations with CARCHEX. They said, “You have a car insurance. If you don't use it, you feel like you lose the money, right? But if you don't have car insurance and you have an accident, then it’s a problem.” That's the reason I purchased this, to make sure if something happened, we can share the cost. The price is not expensive. It's 160 a month. We went through the coverage. CARCHEX told me that all the components which are in the high-tech car are included. It's very comparable to the original manufacturer. They call it a bumper-to-bumper warranty, to which, I said, “Okay. Let's see.” I hope I never will use that. In case of something, I want to be not shocked. I liked that CARCHEX did not ask to pay upfront for the old warranty. And there is month to month. For some reason I don't like it, I can walk away. Some other companies keep you on hold.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Darek, we appreciate you sharing what helped you decide on CARCHEX! Understanding your coverage now can make an unexpected repair easier to navigate later. If you have questions about specific electronics or other components, our team is happy to go over your contract with you.

      Verified purchase
      Staff

      Reviewed Sept. 11, 2026

      I got an extended warranty because of all the electronics in my car. CARCHEX had good reviews on the internet. Also, their representative was very polite and knowledgeable. So far, so good.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Welcome to CARCHEX, Shaun! We’re glad our team made a positive first impression and helped you feel comfortable getting started. If you’d like to review the electronic components included in your plan, please give us a call.

      Verified purchase
      Coverage

      Reviewed Sept. 10, 2026

      CARCHEX offered the best deal. If they hold true to that deal, then it was the best thing I could do to protect the vehicle long-term. Everybody was great. I paid it in full. Signing up with them was a simple process.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      We’re glad CARCHEX stood out as the best fit for you! Thank you for sharing your experience, and please give us a call if there’s anything you’d like to go over as you get familiar with your plan.

      Verified purchase
      Customer ServicePrice

      Reviewed Sept. 10, 2026

      I spoke with someone over the phone, and the sign-up process was good. The package was affordable. It included the powertrain, tranny, cooling and AC, which is pretty important. CARCHEX is pretty good. Hopefully, when we need them, they're there for us.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Jerome, we’re happy your first experience with CARCHEX was a good one! As you get familiar with your plan, please reach out with any questions. We’ll take the time to explain your benefits and help you prepare to start a claim if needed.

      Verified purchase
      CoverageTechPriceOnline & AppRefunds & PayoutsStaff

      Reviewed Sept. 9, 2026

      CARCHEX came up on a list as one of our vendors at my job. Then I started looking at the ratings of the various ones out there and CARCHEX had favorable ratings. So I signed up with them. I filled out the form online and a representative contacted me. If I have a claim, I have to reach out to CARCHEX. I do not have to go through their preferred vendors, but I can use their preferred vendors. The rep explained all that stuff. It was all positive interactions. The policy covers the powertrain, which is extremely expensive based on the car I have. Also, I could pay it monthly, so I don't have to totally pay for the extended warranty outright. There were a few of the vendors that you had to pay a big lump sum.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Lawrance, we’re happy your research led you to CARCHEX and that getting started was such a positive experience! Having time to understand your coverage matters, and we’re glad the monthly option was a good fit. Please reach out whenever you’d like to go over your plan.

      Verified purchase
      TechPriceRates

      Reviewed Sept. 9, 2026

      It has been two months since I signed up with CARCHEX. I liked their price. I received the hard copy of my contract and handbook. However, I haven't had any experience with them.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Thanks for sharing your experience so far, Stephen! We’re glad you found a plan that fits your budget. If any questions come up while reviewing your handbook, we’ll be happy to walk through them with you.

      Verified purchase
      PriceRates

      Reviewed Sept. 8, 2026

      I liked the price that CARCHEX offered. I've had them for one month and I could start using the warranty in 25 days.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Douglas, thank you for choosing CARCHEX! We’re glad you found a price that works for you. Please give us a call if you’d like to confirm when your coverage becomes available or to review your benefits.

      Verified purchase
      Coverage

      Reviewed Sept. 7, 2026

      We bought Zurich and they covered very little. I got CARCHEX and hopefully, they'll cover better than Zurich did because Zurich was bad news. We've only had it a month. Signing up was really easy.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Welcome to CARCHEX! We’re glad getting started was easy. If you’d like to go through what your plan covers before you need a repair, give us a call and we’ll take the time to answer your questions.

      Verified purchase
      Customer ServiceCoverage

      Reviewed Sept. 7, 2026

      I've dealt with CARCHEX in the past. I signed up again. I called them, and they were able to get me the coverage that I was looking for. I have the handbook and it's very straightforward. There's no fine print that they're hiding. So, it’s good.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      We’re happy to have you back, Gary! Knowing you found what you were looking for is wonderful to hear. If you ever need guidance on using your benefits, we’ll be happy to walk you through it.

      Verified purchase
      CoveragePriceStaffBilling

      Reviewed Sept. 6, 2026

      It was very easy to sign up with CARCHEX. Their rep went through all the little steps and told me what was covered and how much was my down payment. She got me approved for roadside assistance. I was approved for six months, and then it started that day that I had signed. The cost of the monthly coverage is reasonable, and customer support does very good.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      It’s a pleasure to welcome you to CARCHEX, Shaviah! Thanks for taking a moment to share your experience. If you need help putting your benefits to use, give us a call and we’ll guide you through the next steps.

      Verified purchase
      TechStaff

      Reviewed Sept. 6, 2026

      CARCHEX had the best deal out of the ones I checked with. I spoke with their rep to sign up. It was all very easy to do. I received the hard copy of the contract and the handbook in the mail. I have the little cutout piece that I'm supposed to put in the car, too.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Bob, thank you for your review and for choosing CARCHEX! We’re glad signing up was easy and that your documents arrived. As you look through your handbook, please give us a call if there’s anything you’d like to go over.

      Verified purchase
      Staff

      Reviewed Sept. 5, 2026

      When I signed up, the rep was helpful and insightful. I recommended CARCHEX to somebody just now.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Shaquanna, recommending us to someone else is a wonderful compliment! Thank you for choosing CARCHEX, and please give us a call if you need anything along the way.

      Verified purchase
      Customer Service

      Reviewed Sept. 5, 2026

      I saw CARCHEX on Google. Signing up with them was fine. I'm happy with their customer service.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Clayton, thank you for sharing your experience with us! We're delighted to hear that you're happy with our customer service. If you have any questions or need further assistance, please don't hesitate to reach out.

      Verified purchase
      CoverageSales & MarketingPriceRates

      Reviewed Sept. 4, 2026

      I have a Kia Telluride and I had it covered thru CARCHEX because of their pricing. At the time, I was trying to go with who had the best rate and the cheapest price. I did majority of my application online ad I've been their customer for about three months. They get a 4-sar rating.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      We’re happy to have you with CARCHEX, Curtis! Finding coverage that works for your budget matters, and we appreciate you choosing us. If you ever have questions about your plan, our team is ready to provide the answers you need.

      Verified purchase
      Customer ServicePriceStaffRates

      Reviewed Sept. 4, 2026

      I got a brand-new car, and a couple of things were happening with it. So, I was encouraged to get a warranty. I was on ChatGPT and I found CARCHEX. They gave me such a good price, and compared to everybody else, they were considerably lower. The representative that I talked to was very polite and informative. She didn't rush me on the phone. It was a very pleasant experience. They've been really good not spamming me with everything. But it was a little confusing to get the documents from the website.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Thank you for choosing CARCHEX, Robert! We’re glad you had time to ask questions and felt comfortable getting started. If you’re still having trouble finding your documents online, give Customer Service a call at 1-800-442-1432 so we can help you access them and go through anything you’d like explained.

      Verified purchase
      Customer ServiceCoverageTech

      Reviewed Sept. 3, 2026

      I liked the coverage that Carchex offered. Their handbook is fine. I had gotten it by email as well, and I had already looked at a copy of what the contract would be a month before I purchased it.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      It’s always good to feel informed before making a decision, and we’re happy CARCHEX was a good fit for you. We appreciate you choosing us, and should you have questions about your coverage, our team is ready to provide the answers you need.

      Verified purchase
      Customer ServiceCoverageTechPriceRefunds & PayoutsStaffRates

      Reviewed Sept. 2, 2026

      If you have a place that you can go outside of a dealer that you can trust the mechanics and if you can trust that they're going to give you quality parts, it's worth it if you have that. If you're somebody that’s just going to have to go where you got to go because you don't know anyone, you have to just go to your best bet, I would try to find coverage somewhere else, or just save the money myself.

      I was at the dealership to get a service done. I had something with a faulty switch for my window. Although I understand that with that service, you can choose any place to go and get your car fixed, but CARCHEX doesn't explain that it matters where you go because they're only going to pay a percentage at one of those corner shops. I drive a Mercedes Benz, so I will always go to the Benz dealer. CARCHEX's average price of paying is 150 for labor. But if you go to a Benz dealer, their labor starts at 250. I will never get a fair deal because I will always get what they would have paid for the service. The Benz dealership contacted them, and how the rep explained it to me that they were trying to negotiate what they should pay for labor with them. That part was $1,100; they paid 499. What it costs to go to a dealer now, their rates are not going to be comparable to what they're going to pay out.

      They had sent me some literature of “Call now. This is how much it will be.” But I had spoken with someone, and I said, “I got this flyer. Would I get this price that you guys sent me?” The person told me, “No, that's just like the average flyer that we send.” I said, “No, this is specifically to my vehicle with my mileage. It wasn't like a general anything. You guys contact me because I contact you with all my information.” And the person I talked to was very argumentative. It was an unprofessional conversation.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Carla, we understand why the difference between the repair facility’s total cost and the amount covered raised questions. Repair facilities set their own pricing, while eligible parts and labor amounts are determined according to the contract and nationally recognized parts and labor guides. A review of your claim shows differences in both the parts pricing and labor involved, which contributed to the remaining out of pocket amount. We also recognize your concerns about the communication you received and would welcome the opportunity to discuss the experience further. Please contact CARCHEX Customer Service at 1-800-442-1432 so we can review the details with you and address any questions you still have.

      Verified purchase
      StaffHonesty & Transparency

      Reviewed Sept. 1, 2026

      The Carchex rep I worked with was super nice and friendly and answered all my questions. I asked her if there were any hidden fees. She said there were no hidden fees. So, that got me. She was good.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Anthony, thank you for taking the time to share your experience with CARCHEX! We really appreciate the review, and if you have any more questions about your coverage, our Customer Service team is happy to go over them with you.

      Verified purchase
      Customer ServiceClaims HandlingPunctuality & SpeedRefunds & PayoutsStaffHonesty & Transparency

      Reviewed Aug. 31, 2026

      I've always heard an extended warranty is something good to have and something that could potentially help me save money down the line. I had a friend of mine speak highly of CARCHEX. I spoke to a representative when I signed up. I've been with them for about three years now. Having something for military would have been helpful. Their claims process has not been too bad. This recent claims process was a little bit of a headache. Supposedly, there was a three-month waiting time period, which I honestly don't recall being told to wait three months before filing a claim after opening a new account. I recall being told 25 days. I had called specifically regarding that, and I was informed, “Yeah, sure, go ahead. You’ve passed your 25-day mark."

      However, according to the supervisor, the customer service associates won't give any more information than that. There are two different departments. The claims department has that information. In my honest opinion, the customer service department should also have that information. So, now I'm out of pocket $1,000 because I was unaware. Then they refuse to adjust that on their part. So, I was pretty upset about that.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Frantz, we apologize for the confusion around the waiting period and deductible, and we can understand how the two could have been mixed up. A review of your coverage shows there is a 25-day and 500-mile waiting period before a claim can be filed, while the $1,000 deductible applies during the first three months of coverage. These are separate provisions of the contract. If you’d like to go over how they applied to your claim or have any remaining questions, please contact CARCHEX Customer Service at 1-800-442-1432. We’d be happy to review the details with you and make sure everything is clearly explained.

      Verified purchase
      Customer ServiceCoverageTechStaffRates

      Reviewed Aug. 30, 2026

      I bought a used vehicle. It had relatively low miles, but it had a lot of electronics and stuff on it. So, I thought it'd be a good idea to get an extended warranty for that purpose to mainly cover a lot of the high-tech stuff. CARCHEX is highly rated. From the research I put into it, they were one of the more highly rated ones. I've had them for about a month now. The sign-up experience was really easy. I talked to several people. We kind of played phone tag a little bit. They weren't pushy at all, which I really appreciate. I spoke to several people, and I appreciate them just being patient with me to do my research and figure out what was best for my situation. I haven't used it, but it seems to be really good coverage. I got their Platinum, which is the highest coverage they have.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      We’re happy to have you with CARCHEX, Zachary! Choosing the right coverage is an important decision, so it means a lot that our team made the experience comfortable and never rushed you along. If you’d ever like to go over anything in your plan, please feel free to reach out.

      Verified purchase
      Customer ServiceCoverageTechPunctuality & SpeedRefunds & PayoutsStaffResolutionTimeliness

      Reviewed Aug. 29, 2026

      I've had CARCHEX for 20 years. I double-coverage my 2006 Infiniti when I bought it off the showroom floor because, as a young person, that was the first time I had my own brand-new car that no one ever driven, and I still have it to this day. The coverage that they offered through Infiniti had a limited amount of time and miles. When I found out about CARCHEX, I did some research, and I thought, “Okay, let me go with them. This sounds like a good deal.” Then I stayed with them over the years. But recently, I started having an issue. A couple of weeks ago, I had a not very good experience with CARCHEX.

      As things change and lives change, I know situations and coverages change. I'm good with that. I understand that. However, some things are a little ridiculous that make it really hard to trust the process. To put it in a nutshell, I have a four-year contract, I pay for three years, and then the fourth year is free. To me, that sounded awesome. I never had a whole lot of major claims with CARCHEX, and so when I had an incident that came up, it felt like the end of the world to me.

      My car's sick, but I didn't feel like I got the compassion over the phone to care. I know they don't have to care. But I got passed seven times on a phone call in one day. They told me, “Put you on hold. Just a moment. Be right back with you.” I waited and then got cut off. I called back but I had to start all over from beginning, giving the contract and then explaining the problem. They would say, “Hold on just a moment. Let me transfer you.” Then I was cut off. I dealt with that for several days. I have the notes of the whole situation: what time I called, what day I called, and who I talked to and what they said.

      When it was time for renewal, I called, and there were certain things they're not covering anymore because my car is older. That makes stupid sense to me. To put a limitation on what they're going to do for you because your car is older, it was a little discriminatory. But I went ahead and renewed it anyway. CARCHEX told me that I was at the point where I don't have to keep giving them what my mileage is. However, they're not gonna do certain things for me unless I buy extra coverage. So, it's not like one policy and it covers everything. If a certain thing happens, I have to pay an additional $30 or $25 to get that covered, but that still doesn't cover that. So, that's my disappointment with that.

      When my car broke down recently, it overheated, and antifreeze was all over the garage. I am the daughter of a master mechanic and my brother was a race car driver. So, I'm not the stupid female that doesn't know how to pump gas. I know how to change oil. I know about the filters. I know a lot, but I don't like to get dirty because I'm a girly girl. So, I took my car wherever, and I explained to them what was wrong and what the problem was. CARHEX said, “Okay. Yeah, that's covered, but we need proof of failure from your mechanic.” Years ago, I was going to Infiniti and got bad service that they were telling me I needed things that I didn't, and I quit going for almost six years. I got a private mechanic, but he was hard to get to. So, now, I found a new mechanic, and he said it was too much for him.

      They changed the thermostat and the water pump. The car was running good, but it had hit 117 degrees, and after you go so many blocks, you hear it boiling, and when you get back, there's splashing everywhere. So, they said, “You know what? You might want to take it to a transmission place or whatever.” I said, “You know what? I'm going to take it back to Infiniti because I have warranty and get it done.” It took me a whole week, and I still ended up not getting my car fixed because CARCHEX was giving them the information off of my new warranty that's overlapping. The coverage was good on the old policy.

      In the end, CARCHEX didn't cover it. That's why I'm pissed off. They kept running me back and forth right up to the last day. They told me, “Well, ma'am, that’s expired now.” I said, “But I spoke to this person that said the claim was put in on this date, and that's the date that you honor it. Doesn't care that y'all didn't resolve it by the time that it expired. The claim was pending to be completed.” They said, “Okay. Well, we need Infiniti to call us and do a three-way, so that we know what you're saying is wrong, if what they're saying is wrong, back and forth and back and forth.” This went on for four days. Infiniti got fed up, and said, “Here, just take a loaner for a week.” Then the guy said, “I'm off for four days. Just bring the car back next Friday, and we'll figure it out.” So, they didn't even treat me nicely to where I'm not going back to them again. They refused to do a three-way call.

      I went back to CARCHEX and said, “Look, they're saying that they changed their policy. They don't do three-way.” CARCHEX said, “Well, we're not going to take your word for it, so we're not gonna cover it.” I told them, “But if they have a policy and you have a policy and they're clashing somehow, you got to meet me in the middle ‘cause you're getting my money.” They replied, “Well, ma'am, you're gonna have to figure out to get them to cooperate with you.”

      I went back to Infiniti. The guy said he called and gave them the information. They took it down, and they said, “We'll take it from here.” I called the next day. They confirmed, “Yeah, we talked to them, but they didn't have proof of failure because the car wasn't throwing codes.” I said, “I know the car wasn't throwing codes. That's why I took it to Infiniti. It doesn't throw a code if there's a blockage. It throws a code if there's a failure.” The fine print says that CARCHEX will, if it's my radiator or water pump, cover a blockage. So, CARCHEX was saying, “Well, no, that's not really what that means.” I told them, “A word is a word. What do you mean that's not what it means?” They said, “Ma'am, if they can't give us a code, we'll just hold it open until you guys could do a three-way, and then it'll be up to us to decide if we're gonna fix it or not.” Out of frustration, to the point that I was getting angry, I said, “Forget it.” I never called them back.

      I went ahead and paid $550 out of my pocket to a radiator shop, and they put a radiator in my car in two hours. That could have been dealt with through CARCHEX, where I wouldn't have had to pay out of pocket. I felt like nobody helped me. Nobody knew anything. One person told me, “Well, we see that you're calling about the same thing, and we don't have a better answer for you. Just a minute, and let me see if I can help you,” and just straight up hung up on me. I'm done with Infiniti, and I'm borderline thinking about CARCHEX because, as a 20-year customer, they failed me. It's like going to the doctor, and they say, “Oh, well, you broke your leg, and you're old anyway, we're not gonna fix your leg.”

      Thanks for your vote!
      Verified purchase
      CoverageTechStaff

      Reviewed Aug. 28, 2026

      I was looking for the maximum coverage, and Carchex was recommended to me by a person who works at a car dealership. The rep I worked with had so much product knowledge. He knew what he was talking about. My sign-up experience with Carchex was fine.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      We’re happy to have you with CARCHEX, Thomas! Feeling confident about what you’re signing up for is important, and we appreciate you choosing us for your vehicle protection. If any questions come up, our Customer Service team is ready to assist.

      Verified purchase
      Customer ServiceTransparency

      Reviewed Aug. 27, 2026

      My sign-up experience with Carchex was good and pleasant. It was very transparent. Their customer service was fair and good. I’ve been with them for two months now.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Sounds like your time with CARCHEX is off to a good start! We appreciate you choosing us and are glad the experience has felt straightforward from the beginning. Should any questions come up along the way, please feel free to reach out.

      Verified purchase
      Customer ServiceSales & MarketingPriceStaff

      Reviewed Aug. 27, 2026

      The customer service with CARCHEX was good. They were able to answer all the questions that I had. They were pretty straightforward. They were able to give me a good quote. I feel like it's reasonable. It's just a month-to-month kind of thing, especially for the vehicles that my husband has. I was able to get a discount, too.

      Thanks for your vote!
      CARCHEX
      Response from CARCHEX

      Welcome to CARCHEX, Vanessa! We love knowing you found coverage that made sense for your vehicles and your budget. Should you ever have questions about your plan, our team is ready to provide the answers you need.

      Loading more reviews...

      CARCHEX Company Information

      Social media:
      Company Name:
      CARCHEX
      Company Type:
      Private
      Year Founded:
      1999
      Address:
      118 Shawan Road, Ste. 210
      City:
      Baltimore
      State/Province:
      MD
      Postal Code:
      21030
      Country:
      United States
      Website:
      www.carchex.com

      Media

      VIDEOS & IMAGES